VIP Banking V Connection - Dah Sing Bank

⬆️ Sun Life HK, upgraded to 'AA' rating by S&P Global Ratings, with Stable Outlook

Stepping into the first quarter of 2026, our bancassurance partner Sun Life Hong Kong Limited (Incorporated in Bermuda with limited liability) ("Sun Life Hong Kong") has reinforced confidence in your financial planning with a highly significant credential–S&P Global Ratings has officially upgraded. Sun Life Hong Kong's financial strength and issuer credit ratings from "AA-" to to "AA" with a stable outlook.

This recognition from an internationally authoritative rating agency not only further affirms Sun Life Hong Kong's robust financial strength and business resilience, but also serves as a cornerstone for every protection and legacy solution we design for our clients, enabling you and your loved ones to rest assured with greater peace of mind in their future protection and legacy planning. This enhancement of financial strength provides more solid and stable protection for our clients' financial planning solutions.

Important Notes:

Dah Sing Bank, registered as a licensed insurance agency (Insurance Intermediary License No: FA3022), is the authorized licensed insurance agency of Sun Life Hong Kong and distributes the insurance products for Sun Life Hong Kong. The life insurance products distributed by Dah Sing Bank are underwritten by Sun Life Hong Kong and are products of Sun Life Hong Kong but not Dah Sing Bank. Life insurance products are not bank deposits nor bank saving plans with free life insurance coverage.

The above information is for reference only and does not contain the full terms of the relevant products. It is intended to be published in Hong Kong only. It shall not be construed as an offer, solicitation or recommendation to provide or sell or a solicitation to purchase any insurance plans. You should choose relevant insurance products according to your own or actual needs and your financial affordability. Please read, fully understand and accept the terms and conditions, policy coverage, policy exclusions, premium, key product risks, important notes, policy dividend (if applicable), investment policy (if applicable) etc. stated in the relevant documents and policy contract before applying for any insurance plans. Sun Life Hong Kong is solely responsible for all coverage and compensation, and reserves the right of final approval of the relevant insurance plan. Policyholders are subject to the credit risk of relevant insurance company.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Dah Sing Bank and the customer out of the selling process or processing of the related transaction, Dah Sing Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer.

Release date: 24 May 2026

Events Highlights☕🐎🎫

At VIP Banking, we seamlessly integrate wealth management with lifestyle excellence ☕🐎🎫. We are pleased to present a series of exclusive events curated just for you. The first quarter's events, including A Taste of Elegance – Exclusive Tea Pairing ☕, Harmonising Wealth: Feng Shui x Market Outlook Seminar🐎 and 2026 May Day Live Tour in Hong Kong Event 🎫, have successfully concluded.

Whether in wealth management or lifestyle experience, VIP Banking aims to bring you inspiration and surprises, using our professionalism and innovation as a sail to embark on new opportunities beyond ordinary.

Stay tuned for more events and opportunities exclusive to our VIP Banking customers. We are eager to greet you at our next event!

Investment involves risks.

Release date: 24 Apr 2026

Your Gateway to Every Opportunity, Safeguarding Your Future

The comprehensive investment solutions offered by Dah Sing VIP Banking encompasses a diverse range of assets and global markets, allowing you to navigate varying market conditions with ease and fully leverage global investment opportunities.

New investment product - FX Linked Notes are now available! In general, if the performance of the linked assets meets preset conditions, there is an opportunity for higher potential returns. Furthermore, the FX Linked Notes offered by Dah Sing Bank Limited (the "Bank") for subscription guarantee 100% of the principal at maturity. The information above is only the highlight of the product feature, please contact your Relationship Manager and refer to the relevant product leaflet for details.

In partnership with the award-winning Sun Life Hong Kong Limited (incorporated in Bermuda with limited liability) ("Sun Life Hong Kong"), we support you in ensuring a seamless legacy transfer, securing prosperity for future generations and your loved ones. The latest product distributed by the Bank and underwritten by Sun Life Hong Kong is Generations Life Insurance Plan III ("Generations III").

Features of Generations III¹

Guaranteed lifelong protection with a choice of three plans offering different levels of life protection
Long-term savings and growth potential
Six underwriting classes
Incapacity Safety Net
Accelerated Benefit which covers Terminal Illness and Accidental Coma²
Comprehensive Death Benefit Settlement Option
Free Worldwide Emergency Assistance Benefits

For more product details, please contact your Relationship Manager and refer to relevant product brochure.

Remarks:
1. For the details of the product features, please refer to the product brochure.
2. Applicable to Generations III – 50 only.

Risk Disclosure

Currency Linked Principal Protected Structured Deposit / Product
Currency Linked Principal Protected Structured Deposit / Product is a structured investment product involving derivatives and is not equivalent to time deposit. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. This product is only principal protected if customers hold it till maturity. Regarding the product details of Currency Linked Principal Protected Structured Deposit / Product, please refer to the relevant offering documents.

Currency Linked Principal Protected Structured Deposit / Product are investment products. Currency Linked Principal Protected Structured Deposit / Product are structured products involving derivatives. This investment decision is yours but you should not invest in this product unless the Bank has explained to you that this product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Unless the context requires otherwise, this website does not constitute any offer, invitation or recommendation to any person to enter into any investment transaction nor does it constitute any prediction of likely future movements in prices of any investment products.

This website has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

Insurance Services

Generations Life Insurance Plan III is a life insurance plan and is not a bank deposit. It is underwritten by Sun Life Hong Kong Limited (Incorporated in Bermuda with limited liability) ("Sun Life") and distributed by Dah Sing Bank, Limited ("Dah Sing Bank"). The above information is only a brief description of the insurance product and does not contain the full terms of the policy which can be found in the relevant policy contract.

Dah Sing Bank, registered as a licensed insurance agency (Insurance Intermediary License No: FA3022), is the authorized licensed insurance agency of Sun Life and distributes the insurance products for Sun Life. The life insurance products distributed by Dah Sing Bank are underwritten by Sun Life and are products of Sun Life but not Dah Sing Bank. Life insurance products are not bank deposits nor bank saving plans with free life insurance coverage.

The information is for reference only and is intended to be published in Hong Kong only. It shall not be construed as an offer, solicitation or recommendation to provide or sell or a solicitation to purchase any insurance plans. Customers should choose relevant insurance product according to their own or actual needs and their financial affordability. Information on this website is intended as a general summary only but does not mention the policy coverage, policy exclusions, key product risks, important notes nor terms and conditions of the relevant life insurance product in details. Customers should read, fully understand and accept the terms and conditions, policy coverage, policy exclusions, premium, key product risks, important notes, policy dividends (if applicable), investment policy (if applicable), etc. stated in the relevant documents and policy contract before applying for any life insurance plans. Sun Life is solely responsible for all coverage and compensation, and reserves the right of final approval of the relevant insurance plan.

Customers are subject to the credit risk of Sun Life. If the customer discontinues and / or surrenders the life insurance plan in the early policy years, the amount of the benefits the customer will get back may be considerably less than the amount of the premium the customer has paid.

The past, current, projected and / or potential benefits and / or returns (e.g. bonuses, non-guaranteed coupons, interests) are not guaranteed and are for illustrative purposes only. The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns.)

Release date: 13 Mar 2026

24-Hour U.S. Stock Trading Services*

In today's fast-moving markets, timing is everything. Demand for U.S. stock trading has surged recently, but traditional trading hours often limit your ability to act on global developments.

As our esteemed VIP Banking client, you can now enjoy our 24-Hour U.S. stock trading service* covers pre-market, post-market, regular and overnight trading sessions, so that you will not miss an investment opportunity across different time zones

To complement this privilege, we've refined our brokerage pricing for U.S. stocks trading: USD 0.015 per share, with minimum brokerage fee of USD 8 per trade. This enhancement allows you to manage the trading costs.

*Disclaimers for 24-Hour U.S. Stock Trading Services: Despite the addition of U.S. stocks extended trading hours (i.e. the trading hours outside the regular trading hours) (the "U.S. Stocks Extended Trading Hours"), the Bank's servicing channels for U.S. stock trading will not be available during the day end processing period starting daily from Hong Kong Time 8:00 am (during U.S. Summer Time) or 9:00 am (during U.S. Winter Time) until its completion, or during any scheduled system maintenance as notified by the Bank from time to time ("Day End Processing / System Maintenance Period"). Any new orders submitted by customers during the Day End Processing / System Maintenance Period will be rejected. The Bank reserves the right, while processing customers' orders, to amend or suspend part or all trading during U.S. Stocks Extended Trading Hours at any time without notice. Please refer to the "Personal Banking Services Agreement (US Stock Trading Services)" and U.S. Stock Trading Services Factsheet for further details.

Securities Services Risk Disclosure: Investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of securities may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities. Customers should carefully consider whether the investment products or services mentioned herein are appropriate for them in view of their investment experience, objectives and risk tolerance level, and read the terms and conditions of relevant Securities Services before making any investment decision.

Risks of client assets received or held outside Hong Kong: Client assets received or held by Dah Sing Bank, Limited outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong. Customers should also seek relevant professional advice on any tax obligations that might arise from investing in overseas products.

Unless the context requires otherwise, this information does not constitute any offer, invitation or recommendation to any person to enter into any securities transaction nor does it constitute any prediction of likely future movements in prices of any securities.

This information has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

Release date: 19 Jan 2026

Dah Sing Bank Launches Investor Confidence Index 📈

Dah Sing Bank, Limited (the "Bank") today announced the launch of its first ever Investor Confidence Index (the "Index"), a proprietary study designed to assess investor sentiment and gain deeper understanding on the investment behaviour of Hong Kong residents. The inaugural index debuts at 681, reflecting overall optimism across the city's investor base, with affluent investors and high net worth investors showing notably stronger confidence scores of 70 and 77, respectively. Among those respondents expressing positive outlook in next 12 months, their expected return reached 7.9% on average. Please contact your Relationship Manager for more details on the Index.

The launch of the Index reinforces the strategic value offered by VIP Banking. Built on a high-tech, high-touch service model, VIP Banking blends digital intelligence with personalised care to help customers achieve their wealth and investment goals. With versatile capabilities in investment and insurance planning, VIP Banking offers a guided wealth journey that empowers customers to act with clarity, purpose, and confidence.

Important Note: The above market research content is for reference only. Investment involves risks. Insurance Service: Before applying for an insurance plan, please read and understand the product offering documents including the product and credit risks contained herein. The life insurance and general insurance products distributed by Dah Sing Bank are underwritten by Sun Life Hong Kong Limited (Incorporated in Bermuda with limited liability) ("Sun Life") and Dah Sing Insurance Company Limited ("Dah Sing Insurance") respectively. Dah Sing Bank is the authorized licensed insurance agency of Sun Life and Dah Sing Insurance and distributes their insurance products.

Release Date: 08 Dec 2025

Experience Luxury and the Thrill: Lamborghini Urus SE Test Drive Event

We are delighted to share the resounding success of our recent exclusive test drive event 🚗 which showcased the latest Lamborghini SUV model – Urus SE. This unforgettable experience brought to our VIP Banking customers a day filled with luxurious excitement.

Beyond enjoying a prestigious experience, VIP Banking customers also received priority access to this new model of Lamborghini SUV, allowing them an immersion into its impressive features, from its powerful engine to its cutting-edge technology. Taking it to the scenic mountain roads 🚥, VIP Banking customers experienced the SUV's remarkable maneuverability and performance. Moreover, on-site experts provided unique insights into the design philosophy and engineering excellence behind the SUV, offering the guest a taste of the Lamborghini legacy.

The event concluded with overwhelmingly positive feedback with guests expressing their delight in this exceptional and memorable encounter.

Stay tuned for more events and opportunities exclusive to our VIP Banking customers. We are eager to greet you at our next event!

Release Date: 23 Jun 2025

11/05/2025

Building a Better Future For Your Loved Ones

At different stages of your life, you have various protection needs. Whether you are pursuing lifelong financial security through wealth accumulation, protecting yourself and your loved ones from unforeseen circumstances, or ensuring that the fruits of your endeavors are available for your loved ones to enjoy tomorrow, we are committed to providing you with a suitable protection solution.

Our protection solution covers savings and life protection; retirement income and medical protection, etc., and they are underwritten by Sun Life Hong Kong Limited (Incorporated in Bermuda with limited liability) ("Sun Life HK"). The latest product launched is SunJoy Global¹.

Main Features^2,3 of the Plan

Long-term savings & growth potential to enjoy Guaranteed Cash Value and non-guaranteed bonuses.
Freely change your policy currency and accumulate wealth in USD, CAD, GBP, RMB, AUD, HKD, assisting you in planning for living abroad and have the flexible Overseas Transfer Service for accessing your withdrawals overseas, enabling policy owners to access and transfer the policy withdrawals to their own overseas bank account.
Comprehensive legacy planning features including policy split option, six death benefit settlement options, apply change of insured option and change of coverage option as many times as you need, enabling you to pass on your wealth seamlessly to the next generation with greater flexibility and peace of mind.
Lock-in your policy values so that you can enjoy greater certainty over potential gains by exercising the Value Lock-in Option to transfer a portion of the value of your policy into your Value Lock-in Account.
Mental incapacity safety net where you can appoint a family member as the Mental Incapacity Benefit Recipient so he or she can file a claim on your behalf and receive the Mental Incapacity Benefit if you are diagnosed as a Mentally Incapacitated Person.
Premium relief features⁴ to ease your financial burdens during challenging periods by deferring or waiving future premiums if mishap happens.

Remarks:

SunJoy Global is a life insurance plan with savings elements and is not a bank deposit nor a bank savings plan with free life insurance coverage. It is underwritten by Sun Life Hong Kong Limited (Incorporated in Bermuda with limited liability) and distributed by Dah Sing Bank, Limited. The information above is only a brief description of the insurance product and does not contain the full terms of the policy which can be found in the relevant policy contract and may subject to designated conditions. Before applying for an insurance plan, please read and understand the client campaign leaflet and be aware of relevant credit risk.
Any request for exercising the Policy Split Option, Currency Change Option, Value Lock-in Option, Change of Insured Option or change of policy owner is subject to the prescribed condition set out in the policy provisions being fulfilled, the then current administrative rules, underwriting rules, any other requirements and the approval of Sun Life HK.
For more details of the product features, please refer to the relevant product brochure.
Premium relief features are applicable for 5-pay policies only.

Notes:

One of the policy currencies for SunJoy Global is RMB. The value of RMB is subject to the fluctuation of its exchange rate. There may be exchange rate loss suffered by you due to such fluctuation if you convert RMB into other currencies (including Hong Kong Dollars).

RMB is currently not completely freely convertible. You can be offered to conduct conversion of RMB by Dah Sing Bank, Limited using offshore rates and may occasionally not be able to do so fully or immediately as it is subject to the RMB position and market conditions at that time. You should understand and consider the possible impact on the liquidity of RMB funds. The exchange rate for the offshore RMB market in Hong Kong may be at a premium or discount when compared to the onshore market in the People's Republic of China and there may be significant bid and offer spreads.

Dah Sing Bank, Limited (the "Bank"), registered as a licensed insurance agency (Insurance Intermediary License No: FA3022), is the authorized licensed insurance agency of Sun Life Hong Kong Limited (incorporated in Bermuda with limited liability) ("Sun Life HK") and distributes insurance products for Sun Life HK. The life insurance products distributed by our Bank are underwritten by Sun Life HK and are products of Sun Life HK but not the Bank. Life insurance products are not bank deposits nor bank saving plans with free life insurance coverage.

The above information is for reference only and does not contain the full terms of the relevant products. It is intended to be published in Hong Kong only. It shall not be construed as an offer, solicitation or recommendation to provide or sell or a solicitation to purchase any insurance plans. You should choose relevant insurance products according to your own or actual needs and your financial affordability. Please read, fully understand and accept the terms and conditions, policy coverage, policy exclusions, premium, key product risks, important notes, policy dividend (if applicable), investment policy (if applicable) etc. stated in the relevant documents and policy contract before applying for any insurance plans. For more details of the product features including the risk disclosure, please refer to product brochure.

Please refer to a sample policy contract, which will be provided upon request by Sun Life HK, for details including definitions, full terms and conditions, and exclusions. Sun Life HK is solely responsible for all coverage and compensation, and reserves the right of final approval of the relevant insurance plan. Policyholders are subject to the credit risk of Sun Life HK. If policyholder discontinues and / or surrenders the relevant insurance plan in the early policy years, the amount of the benefits the policyholder will get back (if any) may be considerably less than the amount of the premium the policyholder has paid. The past, current, projected and / or potential benefits and / or returns (e.g. bonuses, non-guaranteed coupons, interests) are not guaranteed and are for illustrative purposes only. The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns. If there is any conflict between the policy contract and this email, the policy contract shall prevail.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer.

Release Date: 11 May 2025

Receiving the "Wealth Management Service Award for Excellence in Customer Service" again at the Ming Pao Awards for Excellence in Finance

VIP Banking has always upheld the principle of customer centricity combined with a commitment to perfection from our seasoned teams. We do not merely provide wealth management services to each VIP Banking customer; we also take meticulous care of their daily financial needs. We are very honored to receive the "Wealth Management Service Award for Excellence in Customer Service" for five consecutive years which again affirms the recognition of our excellent wealth management services from the industry and customers.

Besides, we proudly received the Top Nomination Award at the Hong Kong Institute of Bankers' 17th Outstanding Financial Management Planner Awards this year. This recognition underscored our dedication and success in nurturing banking professionals. Moreover, our Relationship Managers distinguished themselves as industry leaders, securing seven outstanding awards. These accolades highlighted the team's exceptional performance in enhancing product and service quality, as well as delivering high-quality wealth management services to our customers.

Whether you are searching for short-term capital growth or long-term wealth goals, our seasoned team will provide you with flexible strategies. Contact your Relationship Manager now to find the wealth solution that fits you best!

Release Date: 10 Apr 2025

Our Brand-New V Connection Bringing You With The Latest Info & Offers in a Fresh, Interactive Way

VIP Banking strives to keep you informed, with faster valuable insights that truly relate to you - market trends, lifestyle news. What's more? A variety of exciting surprise offers await you! VIP Banking V Connection ("V Connection") will send you push notifications to ensure you won't miss out on timely information and exclusive offers. VIP Banking is with you every steps of the way on your wealth management journey!

Dedicated to helping you seize opportunities and build your wealth
A team of seasoned professionals closely monitors market trends to bring you timely market information. In addition, we host various investment seminars from time to time. Beyond helping you to manage your wealth, we are excited to share more lifestyle insights! The investment seminar, offered feng shui tips for the Year of the Snake, sparking excitement for our customers.

Investment involves risks. Before applying for an insurance plan, please read and understand the product offering documents including the product and credit risks contained herein. Dah Sing Bank, Limited is registered as a licensed insurance agency.

Release Date: 28 Feb 2025

The service(s) / product(s) mentioned herein is / are not targeted at customers in the European Union.

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